Minimum deposit needed to open account $25. Quarterly Service Charge $0. Does the account earn interest? How often will statement be available?

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1 Build My Savings Account Disclosure Arizona With the Build My Savings account from BBVA Compass, you can build an account that makes saving easy for you, and then rewards you for sticking to your plan. So you can reach your savings goal easier and faster. Minimum deposit needed to open account $25 Quarterly Service Charge $0 Does the account earn interest? How often will statement be available? Yes Quarterly Interest is earned on the entire account balance. For additional interest rate and interest calculation information, see the account disclosures and Relationship Summary Form. Quarterly Paper Statement Fee $3 How to avoid the Paper Statement Fee? (1) sign in to Online Banking; and (2) turn off paper statements After doing this you will receive your statements in Online Banking and will no longer receive a paper statement Withdrawal Service Charge $10 Assessed for each customer initiated withdrawal Insufficient (NSF) Funds Charge- Paid Item $38 For each paid item presented against insufficient funds Insufficient (NSF) Funds Charge- Returned Item $38 For each returned item presented against insufficient funds ACCOUNT OPENING AND USAGE Extended Overdraft Service Charge $25 Deposit Item Returned Fee $6** ** Effective February 18, 2016, the Deposit Item Returned Fee will increase to $ Charged when your account remains overdrawn for 10 consecutive calendar days. An additional $25 extended overdraft penalty will be charged if your account remains negative for 20 consecutive calendar days. For each item that you deposit that is rejected by the payor bank ($25 for foreign items) Stop Payment Fee $32 For each request made by telephone or in-branch Early Account Closing Fee $25 If account closed within 180 days of opening Dormant Account Fee $15 Per quarter Savings Plan Options 6-month savings plan or 12-month savings plan (each a "Savings Plan") Transfer Frequency Options Weekly, every other week, twice monthly or monthly Match Bonus Other Service Fees The amount of your Match Bonus (the "Match Amount") will be determined by multiplying the Match Percent by the Total Transfer Amount provided at account opening. Refer to your Plan Summary Form and account disclosures for additional information relating to your Match Percent and Match Amount. Savings Plan must include an automatic, recurring, preauthorized transfer of at least $25 per transfer from a BBVA Compass consumer checking account to your Build My Savings account ("Transfer"). The Transfer must occur at least monthly for the term of the Savings Plan. The initial Transfer must occur within 30 calendar days of Build My Savings account opening. Maximum Match Bonus of $50 for the 12-month plan, or $25 for the 6-month plan. Please consult your account disclosure for additional details. Please consult your account disclosure for a list of additional service fees Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassified as noninterest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party to a total of 6 per month. These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep

2 TRANSACTION LIMITS transfers. There is no withdrawal limit from this account when made in person at a BBVA Compass banking office or at an ATM. Inter-Account Transfers are considered withdrawal transactions subject to these federal transaction limitations. Withdrawal transactions subject to Excess Transaction Fees described above and in your account disclosure. We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more Posting Order closely match the posting of transactions on your account with the The order in which withdrawals and deposits are processed timing of your actual account activity. Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day. PROCESSING POLICIES Summary of Our Deposit Hold Policy When funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Consumer Deposit Account Agreement for a detailed description of our policy Cash deposit with Teller or ATM: same business day as the day of deposit Direct deposit or wire transfer: same business day as the day of deposit Check deposit with Teller or ATM: same business day as the day of deposit If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit. A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs business days end no earlier than 8:30 p.m. DISPUTE RESOLUTION Dispute Resolution Agreement If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details. To assist you in understanding this disclosure, we have defined the following commonly used terms: Collected Balance your account balance minus any funds you have deposited that have not been collected from the financial institution on which the deposited funds are drawn. The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the daily Collected Balance in the account each day. Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest is credited to the balance in the account on the first business day of the following statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. Statement cycles are generally quarterly, unless otherwise disclosed. If you close your account or convert your account to a non interest earning account before accrued interest, if any, is credited, you will not receive the accrued interest. A taxpayer identification number will be required to earn interest on this account. The following chart shows the annual percentage yield and interest rate as of October 19, Rates are variable and at our discretion, we may change the interest rate for your account at any time. To obtain current rate information, call COMPASS or visit bbvacompass.com. Build My Savings Rate Annual Percentage Yield Interest Rate 0.05% 0.050% Upon conversion of your account to a BBVA Compass ClearChoice Savings account (as further described in your account disclosure), your account will earn interest at the then current standard rate for BBVA Compass ClearChoice Savings accounts. The following chart shows the annual percentage yield and interest rate of BBVA Compass ClearChoice Savings accounts effective as of April 6, Rates are variable and at our discretion, we may change the interest rate at any time. To obtain current rate information, at or after conversion, or at any time, call COMPASS or visit BBVA Compass ClearChoice Savings Annual Percentage Yield Interest Rate 0.05% 0.050% Build My Savings Match Bonus Disclosure

3 At account opening establish a Savings Plan, stick to your Savings Plan and earn a Match Bonus! With a Build My Savings account, you can earn a Match Bonus of up to $50 for the 12-month plan or $25 for the 6-month plan. The amount of your Match Bonus is based on the total transfer amount and length of plan ("Savings Plan"). Savings Plan must include an automatic, recurring, preauthorized transfer of at least $25 per transfer from a BBVA Compass consumer checking account to your Build My Savings account ("Transfer"). The Transfer must occur at least monthly for the term of the Savings Plan. The initial Transfer must occur within 30 calendar days of Build My Savings account opening. Match Bonus payments subject to tax reporting. All accounts subject to approval. If, for any reason, you do not meet any aspect of your Savings Plan, you will not be eligible for a Match Bonus. 1. Establishing Your Savings Plans You must establish your Savings Plan at account opening. You will be asked to select the following options for your Savings Plan Funding Account (BBVA Compass consumer checking account from which the transfer will be made) Minimum amount per transfer: $25 Transfer Frequency (Monthly, twice monthly, weekly or every other week). Initial Savings Plan Deposit Amount: Minimum of $25 Term of Savings Plan: 6 or 12 month. Your Savings Plan options may not be changed after account opening. Please note: The date of your first Transfer will be automatically determined by the Transfer Frequency that you select. For example, if you choose a Transfer Frequency of every other Friday, your Initial Transfer will occur the first Friday following account opening, not on another Friday that you designate. 2. Calculating Your Match Bonus The amount of your Match Bonus (the "Match Amount") is determined by multiplying one (1) percent by the Total Transfer Amount designated at account opening. Maximum Match Amount for the 6-month plan is $25. Maximum Match Amount for the 12-month plan is $50. If, at the end of the Savings Plan term, the total amount transferred to your Build My Savings account is less than the Total Transfer Amount designated at account opening, the Match Bonus will not be paid at the end of the Savings Plan term. If, at the end of the Savings Plan term, the total amount transferred to your Build My Savings account is greater than the Total Transfer Amount designated at account opening, the Match Amount paid at the end of the Savings Plan term will not change. Match Bonus will be paid within 30 calendar days after successful completion of the Savings Plan. Within 30 calendar days of payment of the Match Bonus and completion of the Savings Plan, your Build My Savings account will be converted to a BBVA Compass ClearChoice Savings account. See below for BBVA Compass ClearChoice Savings Terms and Conditions. Your Transfer will continue to your BBVA Compass ClearChoice Savings account until canceled by you. Please Note: You will not be eligible for the Match Bonus if the Transfer is cancelled, stopped or missed or if the Transfer amount is reduced during the term of the Savings Plan. 3. Cancelled Savings Plan If your Savings Plan is cancelled before it is complete, you will not be eligible for a Match Bonus. Your Savings Plan will be automatically cancelled, and you will not be eligible for a Match Bonus, if any of the following events occur: Your Initial Transfer does not occur within 30 calendar days of account opening; One of your scheduled Transfers does not occur for any reason (see "Transfers Against Insufficient Funds" for additional details); You instruct us to cancel your Savings Plan; or You cancel, stop or reduce the amount of your Savings Transfer. Any Build My Savings account with a cancelled Savings Plan will be automatically converted to a BBVA Compass ClearChoice Savings account. If your Savings Plan is cancelled, your Transfer will continue to your BBVA Compass ClearChoice Savings account until cancelled by you. 4. Transfers Against Insufficient Funds If we attempt to make the Transfer from your BBVA Compass consumer checking account and there are insufficient collected funds available for the entire amount of the Transfer, we may, at our option, transfer the entire amount of the Transfer even though the Transfer will cause an overdraft of your checking account. If the Transfer occurs, any applicable NSF fee will be charged to your checking account and you will remain eligible for the Match Bonus. If the Transfer does not occur, your Savings Plan shall be cancelled. Payments made against insufficient funds are made at the sole discretion of BBVA Compass in accordance with the terms of the Consumer Deposit Account Agreement. Applicable Fees and Service Charges Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA Compass accounts in the state

4 where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama. For additional terms governing your account, please consult the Consumer Deposit Account Agreement. NOTE: The above noted fees and service charges are not set bank wide. These prices are driven by the competition in your local market. AS REQUIRED BY FEDERAL LAW, BBVA COMPASS RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM THIS ACCOUNT. We reserve the right to change terms, conditions, and/or pricing of our products upon reasonable prior notification. BBVA Compass ClearChoice Savings Account Disclosure - Arizona Minimum deposit needed to open account $25 Quarterly Service Charge $15 Ways to avoid quarterly Service Charge Does the account earn interest? How often will statement be available? Yes Quarterly (1)Daily Collected Balance of at least $500 in this account; or (2) Have an automatic, recurring monthly transfer of at least $25 from a BBVA Compass checking account to your savings account when the Service Charge would be assessed. Interest is earned on the entire account balance. For additional interest rate and interest calculation information, see the account disclosures and Relationship Summary Form. Quarterly Paper Statement Fee $3 How to avoid the Paper Statement Fee? (1) sign in to Online Banking; and (2) turn off paper statements After doing this you will receive your statements in Online Banking and will no longer receive a paper statement ACCOUNT OPENING AND USAGE Excess Transaction Fee $3 Charged for each withdrawal over 4 per statement cycle Insufficient (NSF) Funds Charge- Paid Item $38 For each paid item presented against insufficient funds Insufficient (NSF) Funds Charge- Returned Item $38 For each returned item presented against insufficient funds Extended Overdraft Service Charge $25 Deposit Item Returned Fee $6** Charged when your account remains overdrawn for 10 consecutive calendar days. An additional $25 extended overdraft penalty will be charged if your account remains negative for 20 consecutive calendar days. For each item that you deposit that is rejected by the payor bank ($25 for foreign items) ** Effective February 18, 2016, the Deposit Item Returned Fee will increase to $ Stop Payment Fee $32 For each request made by telephone or in-branch Early Account Closing Fee $25 If account closed within 180 days of opening Dormant Account Fee $15 Per quarter Other Service Fees Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee TRANSACTION LIMITS Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassified as noninterest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party to a total of 6 per month. These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep transfers. There is no withdrawal limit from this account when made in person at a BBVA Compass banking office or at an ATM. Inter-Account Transfers are considered withdrawal transactions subject to these federal transaction limitations. Withdrawal transactions subject to Excess Transaction Fees described above and in your account disclosure. We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more

5 Posting Order closely match the posting of transactions on your account with the The order in which withdrawals and deposits are processed timing of your actual account activity. Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day. PROCESSING POLICIES Summary of Our Deposit Hold Policy When funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Consumer Deposit Account Agreement for a detailed description of our policy Cash deposit with Teller or ATM: same business day as the day of deposit Direct deposit or wire transfer: same business day as the day of deposit Check deposit with Teller or ATM: same business day as the day of deposit If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit. A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs business days end no earlier than 8:30 p.m. DISPUTE RESOLUTION Dispute Resolution Agreement If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details. Full Terms & Conditions Minimum Opening Deposit $25 Service Charge $15 per quarter Service Charge will not apply in statement cycles when: (1) You maintain a minimum daily Collected Balance of $500 or more in your BBVA Compass ClearChoice Savings account; OR (2) You have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass checking account to your BBVA Compass ClearChoice Savings account in effect at the time the service charge would be assessed. Statement Cycle Quarterly ACCOUNT OPENING AND MAINTENANCE Paper Statement Fee $3 per statement cycle The Paper Statement Fee will be assessed in the following statement cycle. For example, the Paper Statement Fee for the December statement will be assessed in March and will appear on the March statement. How to Avoid the Paper Statement Fee You can avoid the Paper Statement Fee by turning off your paper statements and receiving your account statements electronically through Online Banking. Early Account Closing Fee $25 The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. Dormant Account Fee Excess Transaction Fee $15 per quarter $3 Excess Transaction Fee charged for each withdrawal transaction in excess of 4 per statement cycle HOW INTEREST IS EARNED ON YOUR ACCOUNT The daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the daily Collected Balance in the account each day. Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest is credited to the balance in the account on the first business day of the following statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. Statement cycles are generally quarterly, unless otherwise disclosed. If you close your account or convert your account to a non-interest bearing account before accrued interest, if any, is credited, you will not receive the accrued interest. A taxpayer identification number will be required to earn interest on these accounts. Collected Balance is your account balance minus any funds you have deposited that have not been collected from the financial institution on which the deposited funds are drawn. The following chart shows the annual percentage yield and interest rate effective as of. Rates are variable and at our discretion, we may change the interest rate for your account at any time. Rates may change prior to funding and any interest being earned. To obtain current rate information, call COMPASS or visit

6 BBVA COMPASS CLEARCHOICE SAVINGS RATE Annual Percentage Yield Interest Rate TRANSACTION LIMITS FOR SAVINGS AND MONEY MARKET ACCOUNTS Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassified as noninterest bearing. Federal law limits transfers to another deposit account with BBVA Compass or to a third party to a total of 6 per month. These transfers include: preauthorized agreement, telephone request, check, check card, draft including Online Banking transfers and sweep transfers. There is no withdrawal limit from this account when made in person at a BBVA Compass banking office or at an ATM. Inter-Account Transfers are considered withdrawal transactions subject to these federal transaction limitations. Withdrawal transactions subject to Excess Transaction Fees described above and in your account disclosure. Fee to Use BBVA Compass ATMs $0 for using BBVA Compass ATM to complete any transaction. ATM FEES BBVA Compass Fee to Use Another Bank's ATMs $2 per transaction * ATM and/or service fees charged by other banks and ATM owners still apply * Effective February 18, 2016, the BBVA Compass Fee to Use another Bank's ATMs will increase to $2.50. International Service Fee (ATM) 1% of transaction amount International Service Fee (non-atm) 3% of transaction amount International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement. Insufficient Funds Charge (NSF) - Paid Item $38 per item OVERDRAFT / INSUFFICIENT FUNDS FEES Insufficient Funds Charge (NSF) - Returned Item $38 per item The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means. Inter-Account Transfer Fee $12 per day in which there is a transfer. Transfers funds from customer designated account to cover potential overdrafts in checking account. STOP PAYMENT FEES Stop Payment Request (Branch/Phone) Stop Payment Request (Online Banking)(checks only) $32 per request $25 per request DEPOSIT FEES Deposit Item Returned ** Effective February 18, 2016, the Deposit Item Returned Fee will increase to $ Deposit Item Returned (Foreign) Deposit Item Re-run $6 per item** $25 per item $7 per item CHECK CARD FEES Personalized Check Card Fee Replacement Card Fee $10 per card $5 ($10 for personalized Check Card) Rush Replacement Card Fee $50 OTHER STATEMENT FEES Online Statement Statement Upgrade Fee (Image Statement Fee) Special Statement No additional charge (Online Banking is Required) $5 per statement cycle $5 per statement cycle A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts. WIRE TRANSFER FEES (ALL FEES ARE PER TRANSFER) Domestic: - Incoming (Customer) $10 - Outgoing (Customer) $20 - Outgoing Repetitive (Customer) $19 - Outgoing (Non-Customer) $45 Confirmation: - Fax/ $23 - Mail/Phone $25

7 International: - Incoming (Customer) $15 - Outgoing (Customer) $45 Confirmation: - Fax/ $3 - Mail/Phone $5 Cash Handling Fees: - Rolled Coin $0.10 per roll - Strapped Currency $0.20 per strap - Bank Bags (Zipper) $5 per bag - Bank Bags (Locked) $20 per bag Check Charges: - Temporary Checks $1 each - Personal Checks Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary. Collection Items (all fees are per item): - Incoming $20 MISCELLANEOUS FEES - Outgoing $20 - Non-Customer $25 - Bond Coupon $5 - International $20 plus costs Deposit Fees: - Deposit Correction Fee $2.50 per item - Deposits to Closed Accounts $25.00 per deposit Legal Fees: - Garnishments, Levies, Court Orders $150 plus attorney fees Reconcilement/Research Fees: - Reconcile Statement $25 per hour - Research $25 per hour - Copy of Fax $3 per page TELEPHONE BANKING FEES Staff-Assisted Call (over 5/month) Telephone Transfer Fee $1 per call over 5 in a month $3 per transfer ONLINE AND MOBILE BANKING FEES Online Banking Online and Mobile Bill Pay Mobile Banking No additional charge No additional charge No additional charge Message and data rates may apply - check with your wireless provider. Applicable Fees and Service Charges Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA Compass accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama. For additional terms governing your account, please consult the Consumer Deposit Account Agreement.

8 NOTE: The above noted fees and service charges are not set bank wide. These prices are driven by the competition in your local market. AS REQUIRED BY FEDERAL LAW, BBVA COMPASS RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM THIS ACCOUNT. We reserve the right to change terms, conditions, and/or pricing of our products upon reasonable prior notification. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Rev. 11/2015